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Tim D. Smith

VP of Mortgage Lending
8315 Lee Hwy, Ste 600A, Fairfax, VA 22031
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NMLS: 195275
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TestimonialsCustomer testimonials Read more

Tim Smith was awesome! He came up with an amazing solution and rate that enabled us to do our primary and investment property at the same time. It was an extremely smooth experience, which was a surprise to us, having refinanced before. Great work!

Jeremy P. - 8/12/16

Tim Smith, Melissa Rich, & Julissa Eusebio are great people to work with! I hope to buy another investment property someday, and I will be sure to reach out to Tim and his team when the time comes.

Kevin T. - 8/11/16

I just loved working with Tim, my loan officer .As he was very professional, responsive,attentive, courteous and knowledgeable. I have already recommended him to couple of people I know.

Pranay A. - 7/22/16

My loan officer was very helpful and professional. He was available for questions 24/7 and always had an answer, or would get back to me with an answer. He made the process very smooth and gave me very realistic expectations.

Carissa T. - 7/21/16

Tim Smith and Melissa Rich provided exceptional service. Their communication with us during the entire process was outstanding. They were extremely knowledgeable and personable.

Richard P.-Washington,DC | MAY 2016

Tim Smith and Melissa Rich are true professionals. Everything they did was excellent. I would highly recommend Guaranteed Rate, and especially Tim and Melissa.

Mark U.-Delaplane,VA | MAY 2016

About Tim

I have been in the Mortgage Industry for over 10 years working from the ground up with various roles in Post Closing, Closing, Funding, Secondary and have been Originating for over 7 years. I believe that through those positions I have been given the opportunity to serve my clients with the knowledge and understanding of the Mortgage Process from beginning to end. I received my Degree from Texas A&M and feel that my love of financial markets came with studying Economics. I currently reside in Washington, D.C. and love to Volunteer with the Juvenile Diabetes Research Foundation while learning as much as I possibly can about the history involved in building this Great Nation!

Tim interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the Mortgage Industry for 10 years and was exposed to the business through my family.
Who is your typical customer and what questions do they typically have?
I work with all walks of customers, from First Time Home Buyers to seasoned investors and people trying to save for their future.
What specific steps do you use to help your customers find the best home loan for them?
I usually like beginning with the end in mind and when that happens I believe I can better serve the needs of my clients with the options available to them through their mortgage.
How has the mortgage industry changed since you started, and what would you expect in the future?
Technology and licensing has shaped the way everyone in our business operates and if you are unable to keep up with those 2 key elements then you are failing to deliver to your clients the type of service they deserve.
What part of the home loan process do customers find most difficult and how do you help them through it?
I believe the most difficult process is understanding what is most important to you as a home owner. I always ask my clients to focus on the Top 3 things most important to them because everyone is different and so are the mortgages they apply for.
Are you active in any local associations or community groups, and at what level? What goals and/or success have you helped these groups achieve?
Juvenile Diabetes Research Foundation and I currently serve on the Board of the DC Chapter. We are looking forward to raising as much as we can for our DC Walk, Gala and Commercial Real Estate Games.
Tell us something that makes you unique or something wacky, yet interesting about you?
I have personally witnessed an unassisted triple play on a baseball field.

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